Credit Card Consolidation Loans
Leave high-interest credit card balances behind
We know credit card debt can creep up on you
That’s why we offer quick, money-saving credit card consolidation. With a personal loan from Earnest, you can sweep away high rates and swap them for a single, lower rate. It’s one of the simplest ways to put your financial house in order—apply in just a few minutes.
Radical repayment flexibility for your personal loan
Pay off your loan with options customized to your life
- Choose your preferred monthly payment
- Increase your payment amount anytime
- Make extra or early payments without fees
- No fees, hidden or otherwise
An experience designed for savings and satisfaction at every step
Fair evaluation
We analyze extra information (such as your education, spending habits, and career trajectory) to offer rates personalized to you.
Fast decision & deposit
We promise a prompt response to your application. If you're approved, we’ll get the money to your bank account within two days.
Human service
You'll always reach a real human, whether you're seeking answers by email or phone.
Fair evaluation
We analyze extra information (such as your education, spending habits, and career trajectory) to offer rates personalized to you.
Fast decision & deposit
We promise a prompt response to your application. If you're approved, we’ll get the money to your bank account within two days.
Human service
You'll always reach a real human, whether you're seeking answers by email or phone.
"A personal loan feels easier to pay off since it’s broken into payments. It’s a fixed monthly expense you can factor into your budget rather than a negative number hanging over your head."
Lucy Dotson, User Experience Designer
Frequently Asked Questions
Money for life's biggest moments
Consolidating credit card debt is a popular use for personal loans—but Earnest clients use their funds for all kinds of occasions. From weddings to honeymoons to home renovations, an Earnest personal loan can help you afford life’s expenses.